Pandas Profiling Report

Dataset statistics

Number of variables	14
Number of observations	525
Missing cells	0
Missing cells (%)	0.0%
Duplicate rows	0
Duplicate rows (%)	0.0%
Total size in memory	61.5 KiB
Average record size in memory	120.0 B

Variable types

NUM	10
CAT	4

Reproduction

Analysis started	2021-03-21 13:44:01.672070
Analysis finished	2021-03-21 13:44:37.700134
Duration	36.03 seconds
Version	pandas-profiling v2.8.0
Command line	`pandas_profiling --config_file config.yaml [YOUR_FILE.csv]`
Download configuration	config.yaml

Warnings

Loan_Purpose has 12 (2.3%) zeros Zeros

Loan_Amount
Real number (ℝ_≥0)

Distinct count	145
Unique (%)	27.6%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	11641.142857142857
Minimum	1000.0
Maximum	35000.0
Zeros	0
Zeros (%)	0.0%
Memory size	4.1 KiB

Quantile statistics

Minimum	1000
5-th percentile	3000
Q1	6600
median	10000
Q3	15000
95-th percentile	25000
Maximum	35000
Range	34000
Interquartile range (IQR)	8400

Descriptive statistics

Standard deviation	6929.03764
Coefficient of variation (CV)	0.595219707
Kurtosis	1.196164829
Mean	11641.14286
Median Absolute Deviation (MAD)	4000
Skewness	1.118736261
Sum	6111600
Variance	48011562.62

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
10000	50	9.5%
12000	47	9.0%
8000	24	4.6%
15000	21	4.0%
6000	20	3.8%
5000	18	3.4%
7000	15	2.9%
20000	15	2.9%
4000	14	2.7%
18000	11	2.1%
Other values (135)	290	55.2%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
1000	2	0.4%
1400	1	0.2%
1500	2	0.4%
1700	1	0.2%
1800	1	0.2%

Value	Count	Frequency (%)
35000	8	1.5%
33425	1	0.2%
31825	1	0.2%
30000	2	0.4%
28000	7	1.3%

Term
Categorical

Distinct count	2
Unique (%)	0.4%
Missing	0
Missing (%)	0.0%
Memory size	4.1 KiB

36	438
60	87

Common Values
Length

Value	Count	Frequency (%)
36	438	83.4%
60	87	16.6%

Length

Max length	4
Median length	4
Mean length	4
Min length	4

Interest_Rate
Real number (ℝ_≥0)

Distinct count	29
Unique (%)	5.5%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	12.343171369285846
Minimum	6.03
Maximum	21.67
Zeros	0
Zeros (%)	0.0%
Memory size	4.1 KiB

Quantile statistics

Minimum	6.03
5-th percentile	6.62
Q1	9.91
median	12.42
Q3	14.65
95-th percentile	19.03
Maximum	21.67
Range	15.64
Interquartile range (IQR)	4.74

Descriptive statistics

Standard deviation	3.712685564
Coefficient of variation (CV)	0.3007886266
Kurtosis	-0.569513397
Mean	12.34317137
Median Absolute Deviation (MAD)	2.51
Skewness	0.2798869845
Sum	6480.164969
Variance	13.7840341

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
11.71	49	9.3%
12.42	46	8.8%
9.91	42	8.0%
7.9	39	7.4%
12.69	33	6.3%
10.65	32	6.1%
13.49	30	5.7%
8.9	27	5.1%
7.51	21	4.0%
14.65	20	3.8%
Other values (19)	186	35.4%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
6.03	19	3.6%
6.62	19	3.6%
7.51	21	4.0%
7.9	39	7.4%
8.9	27	5.1%

Value	Count	Frequency (%)
21.67	2	0.4%
21.28	4	0.8%
20.89	2	0.4%
20.3	4	0.8%
20.02496888	1	0.2%

Employment_Years
Real number (ℝ_≥0)

Distinct count	19
Unique (%)	3.6%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	5.284646470293333
Minimum	0.5
Maximum	10.0
Zeros	0
Zeros (%)	0.0%
Memory size	4.1 KiB

Quantile statistics

Minimum	0.5
5-th percentile	0.5
Q1	2
median	5
Q3	9
95-th percentile	10
Maximum	10
Range	9.5
Interquartile range (IQR)	7

Descriptive statistics

Standard deviation	3.373365671
Coefficient of variation (CV)	0.6383332717
Kurtosis	-1.381835628
Mean	5.28464647
Median Absolute Deviation (MAD)	3
Skewness	0.176229441
Sum	2774.439397
Variance	11.37959595

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
10	121	23.0%
2	60	11.4%
5	54	10.3%
3	52	9.9%
1	45	8.6%
4	44	8.4%
0.5	40	7.6%
6	34	6.5%
7	25	4.8%
8	22	4.2%
Other values (9)	28	5.3%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0.5	40	7.6%
1	45	8.6%
2	60	11.4%
3	52	9.9%
4	44	8.4%

Value	Count	Frequency (%)
10	121	23.0%
9	20	3.8%
8	22	4.2%
7	25	4.8%
6.539618118	1	0.2%

Home_Ownership
Categorical

Distinct count	3
Unique (%)	0.6%
Missing	0
Missing (%)	0.0%
Memory size	4.1 KiB

2	314
0	169
1	42

Common Values
Length

Value	Count	Frequency (%)
2	314	59.8%
0	169	32.2%
1	42	8.0%

Length

Max length	3
Median length	3
Mean length	3
Min length	3

Annual_Income
Real number (ℝ_≥0)

Distinct count	188
Unique (%)	35.8%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	57183.21710171768
Minimum	12000.0
Maximum	126000.0
Zeros	0
Zeros (%)	0.0%
Memory size	4.1 KiB

Quantile statistics

Minimum	12000
5-th percentile	26016
Q1	40000
median	52800
Q3	72800
95-th percentile	100400
Maximum	126000
Range	114000
Interquartile range (IQR)	32800

Descriptive statistics

Standard deviation	23418.98416
Coefficient of variation (CV)	0.4095429629
Kurtosis	0.009479602472
Mean	57183.2171
Median Absolute Deviation (MAD)	16800
Skewness	0.6703914849
Sum	30021188.98
Variance	548448819.1

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
50000	23	4.4%
75000	22	4.2%
40000	21	4.0%
30000	20	3.8%
60000	18	3.4%
80000	16	3.0%
70000	15	2.9%
35000	14	2.7%
42000	13	2.5%
65000	12	2.3%
Other values (178)	351	66.9%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
12000	1	0.2%
12252	1	0.2%
15000	3	0.6%
17000	1	0.2%
17108	1	0.2%

Value	Count	Frequency (%)
126000	1	0.2%
125000	1	0.2%
120000	8	1.5%
118000	1	0.2%
116400	1	0.2%

Verification_Status
Categorical

Distinct count	3
Unique (%)	0.6%
Missing	0
Missing (%)	0.0%
Memory size	4.1 KiB

2	218
0	173
1	134

Common Values
Length

Value	Count	Frequency (%)
2	218	41.5%
0	173	33.0%
1	134	25.5%

Length

Max length	3
Median length	3
Mean length	3
Min length	3

Loan_Purpose
Real number (ℝ_≥0)

ZEROS

Distinct count	86
Unique (%)	16.4%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	1.6974929286437432
Minimum	0.0
Maximum	3.0
Zeros	12
Zeros (%)	2.3%
Memory size	4.1 KiB

Quantile statistics

Minimum	0
5-th percentile	1
Q1	1
median	2
Q3	2
95-th percentile	2
Maximum	3
Range	3
Interquartile range (IQR)	1

Descriptive statistics

Standard deviation	0.5524475004
Coefficient of variation (CV)	0.3254490732
Kurtosis	0.9830081418
Mean	1.697492929
Median Absolute Deviation (MAD)	0
Skewness	-0.54875092
Sum	891.1837875
Variance	0.3051982406

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
2	281	53.5%
1	129	24.6%
3	21	4.0%
0	12	2.3%
1.874656817	1	0.2%
1.487353174	1	0.2%
1.596976787	1	0.2%
1.517044241	1	0.2%
1.833574079	1	0.2%
1.637193473	1	0.2%
Other values (76)	76	14.5%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	12	2.3%
1	129	24.6%
1.461306284	1	0.2%
1.474568889	1	0.2%
1.475726948	1	0.2%

Value	Count	Frequency (%)
3	21	4.0%
2.110644122	1	0.2%
2	281	53.5%
1.934962561	1	0.2%
1.874656817	1	0.2%

State
Real number (ℝ_≥0)

Distinct count	40
Unique (%)	7.6%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	16.432380952380953
Minimum	0.0
Maximum	39.0
Zeros	2
Zeros (%)	0.4%
Memory size	4.1 KiB

Quantile statistics

Minimum	0
5-th percentile	4
Q1	4
median	14
Q3	26
95-th percentile	37
Maximum	39
Range	39
Interquartile range (IQR)	22

Descriptive statistics

Standard deviation	11.78179874
Coefficient of variation (CV)	0.716986709
Kurtosis	-1.350402243
Mean	16.43238095
Median Absolute Deviation (MAD)	10
Skewness	0.3562846932
Sum	8627
Variance	138.8107815

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
4	129	24.6%
25	42	8.0%
8	39	7.4%
33	35	6.7%
22	23	4.4%
9	20	3.8%
11	20	3.8%
37	19	3.6%
26	18	3.4%
29	18	3.4%
Other values (30)	162	30.9%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	2	0.4%
1	2	0.4%
2	5	1.0%
3	16	3.0%
4	129	24.6%

Value	Count	Frequency (%)
39	3	0.6%
38	8	1.5%
37	19	3.6%
36	1	0.2%
35	14	2.7%

Debt_to_Income
Real number (ℝ_≥0)

Distinct count	472
Unique (%)	89.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	14.414971428571429
Minimum	0.72
Maximum	29.85
Zeros	0
Zeros (%)	0.0%
Memory size	4.1 KiB

Quantile statistics

Minimum	0.72
5-th percentile	4.066
Q1	9.46
median	14.43
Q3	19.71
95-th percentile	24.38
Maximum	29.85
Range	29.13
Interquartile range (IQR)	10.25

Descriptive statistics

Standard deviation	6.470240378
Coefficient of variation (CV)	0.4488555811
Kurtosis	-0.7899920857
Mean	14.41497143
Median Absolute Deviation (MAD)	5.2
Skewness	0.01779949874
Sum	7567.86
Variance	41.86401054

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
10	3	0.6%
13.22	3	0.6%
15.8	2	0.4%
7.98	2	0.4%
5.5	2	0.4%
11.93	2	0.4%
21.01	2	0.4%
14.43	2	0.4%
18.79	2	0.4%
13	2	0.4%
Other values (462)	503	95.8%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0.72	1	0.2%
0.78	1	0.2%
0.94	1	0.2%
0.98	1	0.2%
1	1	0.2%

Value	Count	Frequency (%)
29.85	1	0.2%
29.44	1	0.2%
29.04	1	0.2%
28.4	1	0.2%
28.06	1	0.2%

Delinquent_2yr
Categorical

Distinct count	4
Unique (%)	0.8%
Missing	0
Missing (%)	0.0%
Memory size	4.1 KiB

0	498
1	21
2	5
3	1

Common Values
Length

Value	Count	Frequency (%)
0	498	94.9%
1	21	4.0%
2	5	1.0%
3	1	0.2%

Length

Max length	3
Median length	3
Mean length	3
Min length	3

Revolving_Cr_Util
Real number (ℝ_≥0)

Distinct count	395
Unique (%)	75.2%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	62.88081904761905
Minimum	0.1
Maximum	99.8
Zeros	0
Zeros (%)	0.0%
Memory size	4.1 KiB

Quantile statistics

Minimum	0.1
5-th percentile	13.5
Q1	47.6
median	67.2
Q3	82.3
95-th percentile	94.76
Maximum	99.8
Range	99.7
Interquartile range (IQR)	34.7

Descriptive statistics

Standard deviation	24.53060893
Coefficient of variation (CV)	0.390112745
Kurtosis	-0.4375928482
Mean	62.88081905
Median Absolute Deviation (MAD)	16.5
Skewness	-0.6481571639
Sum	33012.43
Variance	601.7507743

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
74.9	6	1.1%
55.5	4	0.8%
83.7	4	0.8%
91.2	4	0.8%
82.9	3	0.6%
79.5	3	0.6%
90.8	3	0.6%
83.5	3	0.6%
65	3	0.6%
33.3	3	0.6%
Other values (385)	489	93.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0.1	1	0.2%
0.6	1	0.2%
1.4	1	0.2%
3.2	2	0.4%
4	1	0.2%

Value	Count	Frequency (%)
99.8	1	0.2%
99.3	1	0.2%
99	2	0.4%
98.5	1	0.2%
98.1	1	0.2%

Total_Accounts
Real number (ℝ_≥0)

Distinct count	48
Unique (%)	9.1%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	19.98857142857143
Minimum	3.0
Maximum	79.0
Zeros	0
Zeros (%)	0.0%
Memory size	4.1 KiB

Quantile statistics

Minimum	3
5-th percentile	7
Q1	13
median	18
Q3	26
95-th percentile	38
Maximum	79
Range	76
Interquartile range (IQR)	13

Descriptive statistics

Standard deviation	9.868402369
Coefficient of variation (CV)	0.493702234
Kurtosis	2.784835567
Mean	19.98857143
Median Absolute Deviation (MAD)	6
Skewness	1.183716282
Sum	10494
Variance	97.38536532

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
18	31	5.9%
11	29	5.5%
13	27	5.1%
14	27	5.1%
12	26	5.0%
15	23	4.4%
23	22	4.2%
10	22	4.2%
19	22	4.2%
21	21	4.0%
Other values (38)	275	52.4%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
3	5	1.0%
4	2	0.4%
5	3	0.6%
6	6	1.1%
7	13	2.5%

Value	Count	Frequency (%)
79	1	0.2%
61	1	0.2%
56	1	0.2%
51	2	0.4%
50	1	0.2%

Longest_Credit_Length
Real number (ℝ_≥0)

Distinct count	31
Unique (%)	5.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	12.03047619047619
Minimum	3.0
Maximum	40.0
Zeros	0
Zeros (%)	0.0%
Memory size	4.1 KiB

Quantile statistics

Minimum	3
5-th percentile	5
Q1	8
median	11
Q3	15
95-th percentile	24.8
Maximum	40
Range	37
Interquartile range (IQR)	7

Descriptive statistics

Standard deviation	5.987823583
Coefficient of variation (CV)	0.4977212446
Kurtosis	1.929481763
Mean	12.03047619
Median Absolute Deviation (MAD)	3
Skewness	1.266057958
Sum	6316
Variance	35.85403126

Histogram

Histogram with fixed size bins (bins=10)

Value	Count	Frequency (%)
11	60	11.4%
9	49	9.3%
13	41	7.8%
10	39	7.4%
7	35	6.7%
6	34	6.5%
5	32	6.1%
8	30	5.7%
12	29	5.5%
15	23	4.4%
Other values (21)	153	29.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
3	4	0.8%
4	16	3.0%
5	32	6.1%
6	34	6.5%
7	35	6.7%

Value	Count	Frequency (%)
40	1	0.2%
33	1	0.2%
32	2	0.4%
31	2	0.4%
30	6	1.1%

Pearson's r

The Pearson's correlation coefficient (r) is a measure of linear correlation between two variables. It's value lies between -1 and +1, -1 indicating total negative linear correlation, 0 indicating no linear correlation and 1 indicating total positive linear correlation. Furthermore, r is invariant under separate changes in location and scale of the two variables, implying that for a linear function the angle to the x-axis does not affect r.

To calculate r for two variables X and Y, one divides the covariance of X and Y by the product of their standard deviations.

Spearman's ρ

The Spearman's rank correlation coefficient (ρ) is a measure of monotonic correlation between two variables, and is therefore better in catching nonlinear monotonic correlations than Pearson's r. It's value lies between -1 and +1, -1 indicating total negative monotonic correlation, 0 indicating no monotonic correlation and 1 indicating total positive monotonic correlation.

To calculate ρ for two variables X and Y, one divides the covariance of the rank variables of X and Y by the product of their standard deviations.

Kendall's τ

Similarly to Spearman's rank correlation coefficient, the Kendall rank correlation coefficient (τ) measures ordinal association between two variables. It's value lies between -1 and +1, -1 indicating total negative correlation, 0 indicating no correlation and 1 indicating total positive correlation.

To calculate τ for two variables X and Y, one determines the number of concordant and discordant pairs of observations. τ is given by the number of concordant pairs minus the discordant pairs divided by the total number of pairs.

Phik (φk)

Phik (φk) is a new and practical correlation coefficient that works consistently between categorical, ordinal and interval variables, captures non-linear dependency and reverts to the Pearson correlation coefficient in case of a bivariate normal input distribution. There is extensive documentation available here.

Cramér's V (φc)

Cramér's V is an association measure for nominal random variables. The coefficient ranges from 0 to 1, with 0 indicating independence and 1 indicating perfect association. The empirical estimators used for Cramér's V have been proved to be biased, even for large samples. We use a bias-corrected measure that has been proposed by Bergsma in 2013 that can be found here.

Count
Matrix

First rows

	Loan_Amount	Term	Interest_Rate	Employment_Years	Home_Ownership	Annual_Income	Verification_Status	Loan_Purpose	State	Debt_to_Income	Revolving_Cr_Util	Total_Accounts	Longest_Credit_Length
0	5000.0	36.0	10.65	10.0	2.0	24000.0	0.0	1.000000	3.0	27.65	83.7	9.0	26.0
1	2500.0	60.0	15.27	0.5	2.0	30000.0	1.0	0.000000	9.0	1.00	9.4	4.0	12.0
2	2400.0	36.0	15.96	10.0	2.0	12252.0	2.0	1.506078	11.0	8.72	98.5	10.0	10.0
3	10000.0	36.0	13.49	10.0	2.0	49200.0	1.0	1.836653	4.0	20.00	21.0	37.0	15.0
4	5000.0	36.0	7.90	3.0	2.0	36000.0	1.0	1.726140	3.0	11.20	28.3	12.0	7.0
5	3000.0	36.0	18.64	9.0	2.0	48000.0	1.0	0.000000	4.0	5.35	87.5	4.0	4.0
6	5600.0	60.0	21.28	4.0	1.0	40000.0	1.0	1.723796	4.0	5.55	32.6	13.0	7.0
7	5375.0	60.0	12.69	0.5	2.0	15000.0	0.0	1.743263	33.0	18.08	36.5	3.0	7.0
8	6500.0	60.0	14.65	5.0	1.0	72000.0	2.0	2.000000	3.0	16.12	20.6	23.0	13.0
9	12000.0	36.0	12.69	10.0	1.0	75000.0	1.0	2.000000	4.0	10.78	67.1	34.0	22.0

Last rows

	Loan_Amount	Term	Interest_Rate	Employment_Years	Home_Ownership	Annual_Income	Verification_Status	Loan_Purpose	State	Debt_to_Income	Revolving_Cr_Util	Total_Accounts	Longest_Credit_Length
515	2000.0	36.0	9.91	10.0	2.0	24000.000000	2.0	1.589561	11.0	13.50	64.2	10.0	12.0
516	16800.0	36.0	14.65	2.0	2.0	60000.000000	0.0	1.000000	33.0	14.52	96.9	14.0	8.0
517	8000.0	36.0	8.90	3.0	0.0	120000.000000	2.0	1.000000	4.0	10.52	60.6	15.0	11.0
518	12000.0	60.0	12.69	9.0	0.0	57000.000000	2.0	2.000000	6.0	19.71	66.3	13.0	6.0
519	11000.0	36.0	7.90	4.0	0.0	80000.000000	2.0	1.000000	3.0	4.74	77.7	15.0	12.0
520	5000.0	36.0	16.29	6.0	0.0	85000.000000	1.0	1.482923	37.0	22.81	90.0	17.0	7.0
521	18000.0	36.0	16.29	10.0	1.0	65595.074274	0.0	2.000000	33.0	21.80	90.2	35.0	11.0
522	10000.0	36.0	12.69	6.0	1.0	36000.000000	0.0	2.000000	4.0	15.90	65.3	10.0	5.0
523	5000.0	36.0	9.91	0.5	2.0	70000.000000	1.0	1.000000	26.0	13.92	64.3	23.0	21.0
524	10000.0	36.0	16.29	4.0	2.0	51360.000000	1.0	1.000000	25.0	16.61	79.1	9.0	4.0

Overview

Variables

Interactions

Correlations

Pearson's r

Spearman's ρ

Kendall's τ

Phik (φk)

Cramér's V (φc)

Missing values

Sample

First rows

Last rows